Podcasts about it's different

On this episode of the Underground Kyngz Podcast, I talk to former Swisha House artist and music game vet, @iamadgreen. Listen as we talk about his time since SwishaHouse, how he continues to win in the music game, information for new artist coming up and more. Don't miss a great episode and conversation. For more videos or audio podcast, go to ktteev.com. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/kendrick-thomas/support

ACTS of The Holy Ghost #48

What was once an outrage is now not even a news story. Why? Because it's a Democrat doing it.

I will detail how to negotiate a divorce settlement with power and control over your destiny, your independence, and your self-worth and self-respect.

What if loving our neighbor meant the willingness to ask God to use me in a way I've never been used before?

HT0835 - When It's Different Words are symbols that point to things. But the things they point to are based on our experiences and our experiences might be different and lead us astray.

Got my heart broken yesterday but I'm actually handling it well so thank you ketamine and TMS. 

Interview with Upstate pulmonary physiologist Gary Nieman

Are you thinking about starting to grow plants in containers this Spring? If so, that's really exciting and you might be asking yourself what is the difference between growing plants in containers versus growing them in the ground? Listen to hear what the differences are! Need a great tool to sow your seeds this spring, or thin and transplant your seedlings? The you need The Little Dibby! Made by Gardeners for Gardeners. 1-Tool, 2-Ends, Many Uses! Find out more by going to our Etsy shop at etsy.com/shop/spokengarden Made exclusively by us, Sean and Allison! Make sure to subscribe so you don't miss future quick one-minute episodes! We'll see ya in the Garden! All rights reserved for Spoken Garden. Music by The Lookers.

Dorothée Baumann-Pauly, Director of the Geneva University Centre for Business and Human Rights and Research Director at the NYU Stern Center for Business and Human Rights joins Trade Splaining to discuss why focusing on human rights makes total business sense for companies, what its like splitting time between New York City and Switzerland and who wins between Lidl and Aldi. In this episode we discuss: Respond to listener mail New developments on the judiciary front for businesses that violate human rights legislation Nike facing social media backlash in China over Xinjiang The Evergreen Ever Given, the Suez Canal and the plumbing of trade Return of the UN Word of the Day This week in local Geneva news

All we have here is a branding problem. Video: 351: Live Video - UnfilterTube (https://unfilter.tube/videos/watch/5e3cb94e-9d21-49ad-9b30-ff79b67304b4) 351: Overtime - UnfilterTube (https://unfilter.tube/videos/watch/bdd33bca-5b64-4449-9ac3-73f55f960cf9) Links: 2020 United States federal government data breach - Wikipedia (https://en.wikipedia.org/wiki/2020_United_States_federal_government_data_breach) 'Disinformation And Extremism in the Media' — House Committee Hearing | CBN News - YouTube (https://www.youtube.com/watch?v=I5Rtq3C1KQo) The Great Climate Bill of 2021 Is Being Shaped Now - The Atlantic (https://www.theatlantic.com/science/archive/2021/02/the-great-climate-bill-of-2021-is-being-shaped-now/618121/) American Airlines Confirms Encounter With Unidentified Cylindrical Object Over New Mexico (https://www.thedrive.com/the-war-zone/39416/american-airlines-confirms-pilot-report-of-bizarre-cylinder-shaped-object-over-new-mexico) Developers of Oxford-AstraZeneca Vaccine Tied to UK Eugenics Movement - unlimitedhangout.com (https://unlimitedhangout.com/2020/12/investigative-series/developers-of-oxford-astrazeneca-vaccine-tied-to-uk-eugenics-movement/) Ex-aide details sexual harassment allegations against Cuomo (https://nypost.com/2021/02/24/ex-aide-details-sexual-harassment-allegations-against-cuomo/) Lindsey Boylan, Ex-Aide, Says Cuomo Sexually Harassed Her - The New York Times (https://www.nytimes.com/2021/02/24/nyregion/cuomo-lindsey-boylan-harassment.html?smid=tw-nytimes&smtyp=cur) 2-22-21 Trump Voters USA TODAY Marginals (https://www.suffolk.edu/-/media/suffolk/documents/academics/research-at-suffolk/suprc/polls/issues-polls/2021/2_22_2021_marginals_pdftxt.pdf?la=en&hash=90BD0E21168399E259262CD994978737F5D7F929) https://twitter.com/ryangirdusky/status/1363896844905041920 (https://twitter.com/ryangirdusky/status/1363896844905041920) Biden’s slow start - POLITICO (https://www.politico.com/newsletters/politico-nightly/2021/02/23/bidens-slow-start-491861) Biden told Letterman he got arrested at 21 for breaching chamber at US Capitol, sitting in lawmaker's seat (https://www.bizpacreview.com/2021/02/22/biden-told-letterman-he-got-arrested-at-21-for-breaching-chamber-at-us-capitol-sitting-in-vp-chair-1033322/) German scientist says 99.9% chance coronavirus leaked from Wuhan lab | Taiwan News | 2021/02/23 (https://www.taiwannews.com.tw/en/news/4134301) The Blob circles the wagons around failing Afghanistan strategy – Responsible Statecraft (https://responsiblestatecraft.org/2021/02/23/the-blob-circles-the-wagons-around-failing-afghanistan-strategy/) Letters from House members to cable providers [pdf] | Hacker News (https://news.ycombinator.com/item?id=26237823) The Sound and the Fury of Andrew Cuomo | The New Yorker (https://www.newyorker.com/news/our-local-correspondents/the-sound-and-the-fury-of-andrew-cuomo) Democrats question TV carriers' decisions to host Fox, OAN and Newsmax, citing 'misinformation' - POLITICO (https://www.politico.com/news/2021/02/22/democrats-conservative-media-misinformation-470863) China Hijacked an NSA Hacking Tool in 2014—and Used It for Years | WIRED (https://www.wired.com/story/china-nsa-hacking-tool-epme-hijack/) Weed now legal in New Jersey - Breaking911 (https://breaking911.com/breaking-weed-now-legal-in-new-jersey/) Psaki dodges question on whether Biden still considers Cuomo 'the gold standard' for COVID-19 leadership - Breaking911 (https://breaking911.com/psaki-dodges-question-on-whether-biden-still-considers-cuomo-the-gold-standard-for-covid-19-leadership/) Yellen sounds warning about 'extremely inefficient' bitcoin (https://www.cnbc.com/2021/02/22/yellen-sounds-warning-about-extremely-inefficient-bitcoin.html) Yellen Signals Interest in Backing Digital-Dollar Research (https://finance.yahoo.com/news/yellen-signals-interest-backing-digital-164843289.html) Trump loses Supreme Court appeal to shield tax records from NY prosecutor (https://www.cnbc.com/2021/02/22/supreme-court-rejects-trump-effort-to-shield-tax-records-from-ny-prosecutors.html?__source=androidappshare) People Who Wear Spectacles Are About Three Times Less Likely to Catch Covid-19, Finds Study (https://www.ibtimes.sg/people-who-wear-spectacles-are-about-three-times-less-likely-catch-covid-19-finds-study-55744) Whistleblowers: Software Bug Keeping Some Inmates In Prisons Beyond Release Dates | KJZZ (https://kjzz.org/content/1660988/whistleblowers-software-bug-keeping-hundreds-inmates-arizona-prisons-beyond-release) 75% Of US Troops Refused Taking COVID-19 Vaccine Says Pentagon Report | GreatGameIndia (https://greatgameindia.com/us-troops-refuse-covid-19-vaccine/) Germany urges 'caution' as COVID infections climb again (https://medicalxpress.com/news/2021-02-germany-urges-caution-covid-infections.html) Lockdown roadmap: Boris Johnson reveals shops, pubs & hairdressers will open & holiday plan will be unveiled on APRIL 12 (https://www.thesun.co.uk/news/14125374/lockdown-roadmap-boris-johnson-revealed-live-2/) Americans may still need masks to fight COVID in 2022, Fauci... (https://news.trust.org/item/20210221143523-j7r4j) White supremacy a global threat, says UN chief | The Independent (https://www.independent.co.uk/news/world/white-supremacy-threat-neo-nazi-un-b1805547.html) Reuters, BBC, and Bellingcat participated in covert UK Foreign Office-funded programs to "weaken Russia," leaked docs reveal | The Grayzone (https://thegrayzone.com/2021/02/20/reuters-bbc-uk-foreign-office-russian-media/) Sunday shows - COVID-19 dominates as grim milestone approaches | TheHill (https://thehill.com/homenews/sunday-talk-shows/539774-sunday-shows-covid-19-dominates-as-grim-milestone-approaches) Senate Leadership Coalition Announces Intention To Release Comprehensive Legislation To End Marijuana Prohibition - NORML (https://norml.org/blog/2021/02/01/senate-leadership-coalition-announces-intention-to-release-comprehensive-legislation-to-end-marijuana-prohibition/) ‘Stakes are high’ as QAnon conspiracy phenomenon emerges in France (https://www.france24.com/en/france/20210220-stakes-are-high-as-qanon-conspiracy-phenomenon-emerges-in-france) Russia reports first human cases of H5N8 bird flu - BNO News (https://bnonews.com/index.php/2021/02/russia-first-human-cases-of-h5n8-bird-flu/) We’ll Have Herd Immunity by April - WSJ (https://www.wsj.com/articles/well-have-herd-immunity-by-april-11613669731)

The Hand That You Have Been Dealt Podcast Episode 20: Change Is Not Difficult, It's Different Host: Vonette Wright, Personal Development Counselor | Behavioral Coach Guest: Louis Reid Jr. - CEO at Life Fit Discussion: *How to Deal with the Difficulty of Change *Having the Right Perspective *The Importance of Self Belief *The Importance of Changing Your Perspective *Identifying Your Challenges Produced by Elite Conversations Podcast https://www.eliteconversations.com/mypodcast.html

This year's event is minutes away from our homes, yet we can't be there in person this year. COVID-19 has been the ultimate game changer for the fans, yet the World Junior Hockey Championship gets underway on Christmas Day. We will still be watching closely AND will share our thoughts after each Team Canada game.

When to tell terrific summer tales, if not in winter?)) In this episode, you will join me on my trip to the city of Ternopil, which I visited this August. For getting there, we travelled through six regions, visited four cities. I will try to picture Western Ukraine through the prism of my perception. How did I like the city and the people? What is different about Odesa and Ternopil and what they both have in common? Which city is more successful in meeting economic and social challenges? And why?

Monday Flash Update - It's Different This Time More resources & content: https://collectiveshift.com.au/ On the go? Tune in on your favourite podcast app: https://lnk.to/nuggetsnews Date of Recording: 23rd November 2020 ---

On Thursday, state elections officials granted the Trump campaign’s request for a partial recount in Wisconsin. It covers only Democratic-leaning Milwaukee and Dane counties. The official order Thursday kicks off a 13-day clock by which the recount has to be completed.

www.GoodMorningGwinnett.com Thompson’s vote changed because the transit expansion plan on this year’s ballot changed, from a proposal voters decisively rejected in a 2019 special election.“This new referendum is actually completely different than last time,” Thompson said. “They heard [voters’] concerns and they made changes.”One of the biggest changes has to do with control.The 2019 plan, known as Connect Gwinnett, would have led to the county joining the MARTA system. Under the current proposal, Gwinnett County would maintain control of its own transit system. MARTA would be part of the project only through a single heavy rail extension from Doraville to Jimmy Carter Boulevard.The $12.1 billion expansion would be paid for through a penny sales tax collected under the new Atlanta-Region Transit Link Authority — not MARTA, as would have been the case in 2019. Sales tax dollars will pay for three quarters of the cost.www.AJC.com

PLUS: Holly has the Dirt Alert: People are NOT here for Kim K's birthday posts, STUDY OF DUH: Lori's playing with her hair, Julia is changing for pickleball AND the rest of the Hollywood gossip: Thank YOU for helping us raise money!

This year has been different for just about every person on the planet. When things are different, we need to do different too. So that's what this episode is about. Doing different.

Quotey McQuoteface is BACK and our Panel Operator Lenno has an amazing sting you have to hear to believe, We kick off a new round of Best Story Ever PLUS, would you have lunch with your exes mum? See omnystudio.com/listener for privacy information.

All my snacks in my desk have expired.

Adseyna is a beast --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/aaron-beard/support

There will always be surprises that cause us to worry about the financial future. Yet, time and time again, we have overcome disasters and stock values rise again.

Season 1: 'The Branding Series' / Episode # 8 'B2B Branding' is a bit different from Consumer Branding. Branding Experts And Top Entrepreneurs Reveal What It Takes To Get It Right, Why It's So Important, And Whether It's Harder Or Easier Than B2C Marketing.Guest Bios: Neil Luo (https://www.linkedin.com/in/neil-luo/)is the Global Head of Growth at Airwallex (https://www.airwallex.com ), a $1 BILLION fintech start up. Dr Rob Newman (https://www.linkedin.com/in/rob-newman-007757/) is CEO of ASX 200 online mapping technology provider, Nearmap. (https://nearmap.com.au). Victoria Coster (https://www.linkedin.com/in/creditfixsolutionscreditrepair/) is a Telstra Business Person of the Year finalist 2019, & founder of Credit Fix Solutions (https://creditfixsolutions.com.au) Rachel Bevans (https://www.linkedin.com/in/rachelbevans/) is branding expert & director of The Healthy Brand Company (https://www.thehealthybrandcompany.com/) What to listen out for: 2.00 The story of IDA Ireland 'Right Place, Right Time' B2B branding campaign 8.29 The importance of emotion in B2B marketing 9.20 The example of Xero, 'beautiful business'. 12.23 How to segment the SME market when you're selling B2B 13.26 The 'trust barrier' is actually higher for B2B than for B2C 21.31 What is 'insight generation' 23.48 The role of courage in effective B2B branding 26.39 Recurring segment - NERD SUPER POWER 29.56 The long-term value of networking for B2B brands 34.59 Recurring segment - NERD UNDER PRESSURE Resources & links: IDA Ireland campaign https://wearesculpt.com/blog/b2b-social-media-campaigns/ 'Cross the Chasm' by Geoffrey Moore. https://en.wikipedia.org/wiki/Crossing_the_Chasm ***** Enjoyed this podcast? >>>> Please SHARE via text or social media ((!)) Subscribe to our newsletter: https://webbuzz.com.au/nerds (https://Webbuzz.com.au/nerds) You can follow Nerds of Business on socials: Twitter: https://twitter.com/business_nerds (https://twitter.com/business_nerds) Facebook: https://www.facebook.com/nerdsbusiness/ (https://www.facebook.com/nerdsbusiness/) Linked in: https://www.linkedin.com/company/nerds-of-business/ (https://www.linkedin.com/company/nerds-of-business/) Full text https://webbuzz.com.au/category/nerds/ (transcriptions of episodes here) This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy Chartable - https://chartable.com/privacy

Lyla experiences some slut shaming, Matt Goofus Maloofuses HARD for most of the episode, Smash way too aggressively hits on the new girl and his nose bleeds, and Coach freaks out about blankets.Josh and Anthony discuss whether Hank from Breaking Bad could have played Buddy Garrity and vice-versa, cancel Gary Glitter (seriously, go read that Wikipedia page, but prepare to be disturbed), and utilize an outside consultant to get an expert opinion on the scene of the Panthers in drag.All this, plus our weekly awards and plenty of other sidebars, which adds up to another INSTANT CLASSIC episode of Reliving the Lights!

Training Camp is Here. But it's different than ever before. What you need to know, about the schedule, the roster and how camp will work on the way to week 1 of the regular season

We explore how Federal Reserve intervention is the 2020 reason for the famous saying "This time it's different" Recorded for posterity and for the timestamp. This is weeks away from turning ugly... The question: Will the Fed step in? If so, will it work? The signal is clear. The data is clear. The fool at the poker table is clear.

Why is guilt something we're feeling over the coronavirus pandemic? After all - unless we've taken a trip up to Durham recently, we've probably done nothing wrong.But in fact, feeling guilty is a totally normal response. Whether it's guilt over NOT having the worst pandemic experience ever, guilt over social media or guilt over whether we should really buy that packet of salt and vinegar crisps or not (you'll have to listen to find out what that's all about) - it's a feeling that's shifted shape during these strange times. Writer Becky Howard and psychologist Lucy Clyde explore guilt and what we can do about this confusing emotion.Thanks for listening and follow us on Twitter @cope_podcast See acast.com/privacy for privacy and opt-out information.

Thank you: nutrafol.com code: CONGRATS - getroman.com/babies - meundies.com/congrats - betterhelp.com/congrats  Chris is 15 and we're alive at night! Today we talk about In-N-Out Burger, COVID commercials, the National Geographic + Vans collab, Jimmy Fallon, wearing masks, 90 Day Fiancé, Big Ed, and having a light that you don't know how to turn off. Tweet your questions and spread the love using the hashtag #congratulationspod on Twitter and everywhere else, and don't forget to rate, review, listen on iTunes, Google, Spotify, Stitcher, or your favorite podcast app. For the true babies: Merchandise: https://store.chrisdelia.com  Instagram: https://www.instagram.com/chrisdelia  Twitter: https://twitter.com/chrisdelia  Facebook: https://www.facebook.com/chrisdeliaofficial  YouTube Subscribe: http://bit.ly/2rA0sI0 

This week the boys winecast and talk about: Steeley Dan, Brave New World, WInecast, Cupcake Pinot Grigio, Craig's dinners, Cooking pet peeves, Imagery Pinot Noir, Kobylkas, Rik and Morty, Casablanca, Birdman, new computer chairs, Behringer founders Merlot, Promark drum sticks, Garage center, Santa Barbara, Catfish, Chinese food, Fred Willard, and much much more

Wherein, having already discussed the insanity rules on page 156 in Palladium's Beyond the Supernatural RPG, we open The Z Files and delve into a spooky paranormal threat from the pages of Palladium's Villains Unlimited. Today's case: Triple Threat (part 3)!

Meatball and Big Dipper sit down with psychopath, seamstress, and Drag Queen of the Year winner Abhora! They discuss OHenrys in North Carolina, moving to LA to film Dragula, and screaming during sex. Plus they eat Tim Tams!THIS EPISODE IS SPONSORED BY SPOTIFY!Listen to "The Last Degree of Kevin Bacon" for free, only on Spotify. Go to spotify.com/bacon!THIS EPISODE IS SPONSORED BY BETTERHELPFor 10% off, visit https://www.betterhelp.com/sloppyCall us with your sex stories at213-536-9180!FOLLOW BIG DIPPER:https://www.instagram.com/bigdipperjellyFOLLOW MEATBALL:https://www.instagram.com/spiciestmeatball/SLOPPY SECONDS IS A FOREVER DOG PODCASThttps://foreverdogproductions.com/fdpn/podcasts/sloppy-seconds/

Episode Notes Join Sam and McKenzie as they explore episode 10 of Friday Night Lights, “It’s Different for Girls”. McKenzie grapples with not hating Buddy Garrity for two episodes in a row while Sam ponders the existence of free will. Find out more at http://fnipodcast.com

We will examine the various forms that the -Word of God- takes in the Scriptures.

Our society is under constant stress and our kids are feeling it. Stress can be a motivator but it can also paralyze us. Join the conversation as we try to help you think through ways to help identify stress and manage it well. --- Show Notes: 1 in 4 Teens Too Scared to Drive - https://www.thezebra.com/resources/research/teen-driving-fears Teens Stressed Over Summer - https://www.usatoday.com/story/news/nation/2014/02/11/stress-teens-psychological/5266739/ Managing Stress for a Healthy Family - https://www.apa.org/helpcenter/managing-stress Hurt 2.0 - buy the book Sleep and smart phones - https://www.pbs.org/newshour/science/analysis-teens-are-sleeping-less-why-smartphones Other Resources on Stress - http://media.focusonthefamily.com/topicinfo/stress.pdf --- There is SO MUCH to learn, together! -- Let us know what you think! -- Email us your parenting questions at questions@parentingstuffpodcast.com

Women are far less likely than men to access treatment for addiction, and women who do seek care are far more medically compromised by the time they enter rehab than their male counterparts. Addiction psychiatrist Kristen Schmidt, MD, talks with host William C. Moyers about factors that influence the progression and treatment of substance use disorder among women. The doctor's advice for women in active addiction? Substance use disorder is a disease, and you are worthy of care and healing.

Who you've been.... Who you're about to be! Rebranding and Believing .... You Got This

I do apologize that I haven't uploaded an episode in awhile, but don't worry I am not going anywhere. There are many guests I have planned to come on the show and I am very excited for this upcoming year. Please checkout my social's below to behind the scenes content and much more! Twitter: https://twitter.com/at_podcasting?lang=en Instagram: https://www.instagram.com/at_podcasting/ Business Inquires: atpodcasting@gmail.com

Today we are scratching the surface on programming for women. Should it be different than for men? If, then how? Why? Tune in to learn more! Books mentioned in this episode:  Beyond The Pill The Period Repair Manual  Taking Charge Of Your Fertility  The Fifth Vital Sign Roar  For more from Sarah, head to Instagram.com 

As part of my continuing podcasts regarding the changing climate, Jimmy Adagoke, a professor of Geosciences from UMKC and an award winning climate scientist, stopped by to chat. My conversation with him is dedicated to the difference between climate and weather, what climate change is, how greenhouse gases are factoring into the changes and some of the science behind the changes taking place. Our discussion is split into two parts, and this is the first.

 Finxact Core System – It's Different! Hosts - Sharon Lorman, Vice President, The Kafafian Group, Inc. Jeff Marsico, Executive Vice President, The Kafafian Group, Inc. Gregg Wagner, Managing Director, The Kafafian Group, Inc. Guest - Michael Sanchez, President & Founder, Finxact

Think tweens and teens are hard to figure out? They may be impulsive and unpredictable, but they are also full of hope and possibilities. Meet a couple of doctors at Children's of Alabama who are passionate about all things "adolescent." Doctors Tamera Coyne-Beasley and Nefertiti Durant lead a team of healthcare professionals at the William A. Daniel, Jr. Adolescent Health Center who are committed to helping young people navigate through physical and emotional changes, and unlock their full potential.

Yasin Temel joins host Katherine Bassil in discussion on the ethical implications of deep brain stimulation (or DBS), a neurotechnology that has been the number one therapeutic strategy for brain disorders like Parkinson's disease. In the first part of this episode, Yasin elaborates on what is DBS and how is it being used in the clinics nowadays. In the second part, he shares with us how patients feel towards carrying this brain implant for the rest of their lives and whether they develop any kind of attachment to it once it is removed. Finally, Yasin sheds light on changes in personality that can accompany DBS surgery, while revisiting a peculiar case of one of his former patients. What is DBS? Do patients carry some kind of resistance towards this brain device? Can DBS lead to personality changes? Will patients face a dilemma: sacrificing their personality to combat the burden of disease? Find out more details on episode 10 of the Neuroethics Police podcast! --- Send in a voice message: https://anchor.fm/neuroethicstoday/message

In this episode, we break down Episodes 10-12 of Season 1 of Friday Night Lights.

Julie Ciardi is an accomplished entrepreneur, podcast host, and acclaimed coach.  She focuses on women's issues in life and business.  We talk to her about how to leverage the difference between men and women in the workplace.  One of our most impactful and controversial episodes yet.  You don't want to miss this!

This week on the Fired Up Sport Podcast; It's Different for Girls. Clare McDonnell and Kirsten Webster get into why it's different for women in the press room of a major sports tournament when the rest of the room is mostly white, and mostly male. Can that sometimes be an advantage? Plus why do you keep your world ranking in tennis if you’re injured but not if you have a baby? Former tennis pros-turned-broadcasters Lucie Ahl and Jill Craybas tell us change is needed. It's the Fired Up Sport Podcast in association with Sport England and This Girl Can. Come with us and #changetheconversation

Does living frugal describe your way of life? Or maybe you want to be more frugal but haven’t been successful with it.   In this episode, the Reina Crew has an in-depth discussion on frugality which will for sure change your view on the matter.    What you'll learn about in today's episode: The various ways frugal can look like for different people An interesting discussion and perspectives on the difference between cheap vs frugal  Some valuable lessons on frugality you don’t want to ignore   For a quick recap of this episode go to http://www.jenhemphill.com/184   Be sure to continue to join us in more money conversations in our FREE community over here: http://www.jenhemphill.com/community   Enjoy this episode and want more?  Be sure to subscribe and leave us a review on Apple Podcasts:  https://podcasts.apple.com/us/podcast/her-dinero-matters/id1006403754   By doing that will help us reach more women like you.  It’s easy, here is how:  http://jenhemphill.com/how-to-subscribe-and-leave-a-review-on-itunes/     The postLiving Frugal and It's Different Meanings (a Reina Crew Discussion)  | HDM 184 appeared first on the Her Dinero Matters Podcast.   Have you not grabbed my book? You can do so by searching Her Money Matters on Amazon OR  using this link: https://www.jenhemphill.com/book

Does living frugal describe your way of life? Or maybe you want to be more frugal but haven’t been successful with it.   In this episode, the Reina Crew has an in-depth discussion on frugality which will for sure change your view on the matter.    What you'll learn about in today's episode: The various ways frugal can look like for different people An interesting discussion and perspectives on the difference between cheap vs frugal  Some valuable lessons on frugality you don’t want to ignore   For a quick recap of this episode go to http://www.jenhemphill.com/184   Be sure to continue to join us in more money conversations in our FREE community over here: http://www.jenhemphill.com/community   Enjoy this episode and want more?  Be sure to subscribe and leave us a review on Apple Podcasts:  https://podcasts.apple.com/us/podcast/her-dinero-matters/id1006403754   By doing that will help us reach more women like you.  It’s easy, here is how:  http://jenhemphill.com/how-to-subscribe-and-leave-a-review-on-itunes/     The postLiving Frugal and It's Different Meanings (a Reina Crew Discussion)  | HDM 184 appeared first on the Her Dinero Matters Podcast.   Have you not grabbed my book? You can do so by searching Her Money Matters on Amazon OR  using this link: https://www.jenhemphill.com/book

En toch... ze zeiden het hoor, Edin Mujagic van OHV vermogensbeheer en Richard de Jong van Van Lieshout & Partners, in een nieuwe aflevering van BNR Beurswatch, vandaag met Paul Laseur. Waar je andere jaren nog kon zeggen dat de inversie van de Yield-curve van US-bonds een betrouwbare voorspeller is van een recessie, gaat dat onder de huidige extreme marktomstandigheden waarschijnlijk niet op.

Wherein: Adrienne & Steve discuss the lyrical extremes of Joe Jackson Scroll down to play Podcast           I'm The Man 7-inch Album at Discogs                         Joe Jackson Website                         Graham Maby Article in Bass Player                        TMBG Website             Todd Rundgren Website                     Night And Day at Discogs                         Hirschfeld Line Drawings at Illustration Chronicles                           Spiv at Revolvy.com                                       Look Sharp! at Discogs               I'm The Man Video at You Tube      It's Different For Girls from You Tube           Fool at Discogs                            

Before we start yes I know this 2 weeks late...had some technical problems that had to be fixed before another podcast could be done ( and we are still working on it... ) but I am making up for it.. I'm hitting you with 2 episodes this week & next week... to catch up so 24 hours after this one... here comes another.. So enough yap.. let's get to some new dope hip hopBenny The Butcher - '97 HovChris G - Intro Joyner Lucas - Devil's Work Beast Coast f Joey Bada$$, Flatbush Zombies, The Underachievers, Kirk Knight, Nyck Caution, & CJ Fly - Left Hand Oh No x Madlib - Big Whips Planit Hank f Mall Grime - 80's & 90's The Alchemist f Westside Gunn & Conway - 94 Ghost Sh*t Black Eyed Peas f Phife Dawg, Ali Shaheed Muhammad, & Posdnous - All Around The World Napoleon Da Legend - Conversations With Doubt ( Devil )Apollo Brown x Joell Ortiz f Royce Da 5'9 & Kxng Crooked - Timbalan'd Up Remix Forever M.C. & It's Different f Tech N9ne, Kxng Crooked, Chino XL, Rittz, & Statik Selektah - Terminally Ill Pounds - Get To ItWestside Gunn - Bubba Chuck MZ Boom Bap x Ill Conscious f King Magnetic & DJ Grazzhoppa - Potent Serum Chris G - Break K. Burns f Eddie Kane - New Young G's9th Prince f Trife Diesel & JoJo Pellegrino - StopMethod Man f Redman, Streetlife, & Hanz On - Wild Cats Young, Black, & Gifted ( Azariah x Kidd Called Quest ) f Jae Hu$$le - More Than Music Jae-Nice - Whut It Is Crimeapple - Blood BoilBozack Morris x J Scienide - Sunday Morning 9th Wonder f Big K.R.I.T., Jakk Jo & David Banner - Knocking At My Dope Remy Ma, Reef Hustle, Fat Joe, & Big Pun - Fire M Doc Diego f General Luciano - Familiar Dream Crotona P f Golden & Blast Blicka - Journeys Clever1 & Giallo Point - The Yellow Brick WallDJ Muggs x Mach-Hommy f Your Old Droog & Tha God Fahim - Mami WataRuste Juxx x Jake Palumbo - Monsta CheeseIce Grill f Eto - Bad VibesGhostface Killah & Big Ghost Ltd f Big Daddy Kane, Cappadonna, Styliztik Jones, & Harley - Done It Again Chris G - Break 2Gillateen - No Auto Tune BotsBun B x Statik Selektah f Fat Joe & Smoke DZA - Basquiat Papoose - 64 Bar Bandit Crimeapple - Stay Awake DJ Mickey Knox x Tha God Fahim - Up In Space Eto x Nicholas Craven - Vendetta Agallah x DirtyDiggs f Eto & Milano Constatine - Uncharted Deep Mic Handz f Sean Price - Stay Giving It UpJay Royale f Daniel Son - Horse HeadBenny The Butcher - Forever MZ Boom Bap x Ill Conscious f Omnia Azar & Cyn Hawkes - Vibes Don't LieTragedy Khadafi x BP f Hus Kingpin, Rozewood, & SmooVth - Renoir Repertoire Loveboat Luciano - Probation Gillateen - Flow BotSlaine x Termanology f Conway - Came A Long Way Black Thought f Reek Ruffin - Conception Chris G - Outro

Pastor Jonathan continues his message on God's Kingdom and how it is different than the kingdom of the world.

Furniture giant Ikea just opened a new branch in Manhattan last week. The store is radically different from Ikea’s usual one: it’s smaller, it works as a showroom and it doesn’t sell meatballs. Reporter Bianca Giacobone went to the Upper East Side to check it out.

It’s easy to trick ourselves into thinking “it’s different this time”, but more often than not, that isn’t the case. When it comes to the stock market, cycles tend to repeat themselves and the research that’s been proven over the years is still relevant to todays market. In this episode, Kate Stalter talks why “it’s different” is a misleading mindset that will result in negative repercussions. To learn more about how to avoid this trend and to stop making decisions out of emotional biases tune into this episode of Better Money Decisions. Show Highlights: Behavior finance and cognitive biases that lead to bad decisions How recency bias misleads us Why we shouldn’t be too optimistic Markets being driven by human components Rebounds that occur after negative events Reflecting on history to avoid falling into a trap Links: Episode 13: The Behavioral Investor With Daniel Crosby US News & World Report: 7 Behavioral Biases That May Hurt Your Investments Got investing questions you’d like me to answer on the show? Can Help Better Money Decisions For Your Free Report, “5 Serious Mistakes You Can Avoid in Retirement”: Email We Can Help Better Money Decisions.com Our proprietary Financial Wellness For Life program Register for upcoming webinars Contact Better Money Decisions: (844) 507-0961 Extension 700 We Can Help Better Money Decisions Want our library of financial education topics? It’s all right here Kate’s Forbes articles Kate’s US News & World Report articles Visit us on social media: Facebook: Better Money Decisions Twitter: ​Financial Better Instagram: ​Better Financial Decisions LinkedIn: Better Money Decisions

This is going to take some getting used to. --- Support this podcast: https://anchor.fm/needaride/support

JASON!!!!!!!!!!!!!!!!!!!

In this episode, Jennifer Spoelma is answering the most common questions we receive about singleness and dating. We also chat about sex and how to navigate sex while dating as a Christian.

Flashback Friday sermon by Elder Logan Stowe

In this episode, podcast host and author of “Control Your Retirement Destiny” covers Chapter 1 of the 2nd edition of the book titled, “Why It’s Different Over 50.” If you want to learn even more than what there is time to cover in the podcast series, you can find the book “Control Your Retirement Destiny” on Amazon. Or, if you are looking for a customized plan for your retirement, visit us at sensiblemoney.com to see how we can help.   Chapter 1 – Podcast Script Hi, I’m Dana Anspach, the founder and CEO of Sensible Money, a fee-only financial planning firm that specializes in helping people transition into retirement. I’m also the author of the books Control Your Retirement Destiny, and Social Security Sense. My passion for helping people make the best retirement decisions possible is what led me to write Control Your Retirement Destiny and I’m honored by the incredible 5-star reviews it has received. I wrote it because I wanted people to see what a real retirement plan looks like – and the book spells it all out, step by step. Today, I’m thrilled to bring to you this podcast where we will discuss highlights from the book. In this episode, I’ll be covering Chapter 1 of the 2nd edition of the book titled, “Why It’s Different Over 50.” If you want to learn even more than what we have time to cover in this podcast series, I encourage you go to Amazon.com and search for Control Your Retirement Destiny. Or, if you are looking for a customized plan for your retirement, visit us at sensiblemoney.com to see how we can help. Let’s get started. ---- So, why is it different over 50? Sure, your joints ache more, and you can no longer read menus, but, do the financial aspects of life change too? In many ways, yes, they do. Think of it like this… Imagine you’re planning for a road trip. This road trip has two phases. The first phase is the accumulation phase. This occurs during your working years where your focus is on saving for retirement. You have a set point in time you are saving for – a destination you want to reach by a specific age. The second phase is the decumulation phase of the road trip. This will be the point in time where you will “live off your acorns”. You have a lot more flexibility in this phase, but also, a lot more unknowns. Let’s look at each phase more closely. First, the accumulation road trip. Assume for this portion of the road trip, you’re not going too far, only about 300 miles. Your gas tank holds 18 gallons and you didn’t have an electric car, so you only get about 20 miles per gallon. Taking 18 gallons x 20 miles per gallon, you can estimate you’ll get about 360 miles per tank. Since your destination is 300 miles away, it’s pretty easy to figure out you can get to there on one tank. This type of calculation is simple and easy to do. When you’re young and actively saving for retirement, this type of calculating helps you figure out how much to save. For example, if you’re age 40, and you want to save $1.5 million by age 65, how much do you need to put away each year? The answer is about $24,000 a year – that is assuming you earn about 7% a year on your investments. This type of math is relatively easy to do using a spreadsheet or a financial calculator. It’s easy because you plug in specific data, such as 25 years and a 7% return. Now, let’s start the second part of your road trip – the decumulation phase – and see how the math gets harder. As you start the decumulation phase, here are some of the questions you have. How long is your road trip going to be? What terrain will you be driving over? What will the weather be like? Are they any gas stations along the way? What will the price of gas be? These are all unknowns. Let’s break these unknowns into four risk categories. The first category is called “Longevity Risk”. You don’t know how long you’ll live. So you don’t know how many total miles you’ll be driving. Instead of knowing it is 25 years until you reach age 65, now your road trip could be 20 years, thirty or even 40 years.   The next risk category is called “sequence risk”. This has to do with the unknown market returns. For example, we all know that city driving takes more fuel than highway driving. But with this road trip, you don’t know what conditions you’ll encounter. This risk impacts you when you are accumulating too. But while you are younger you have time to recoup from mistakes, or from a period of time with below average investment returns. As you get closer to retirement, a bad sequence of returns, or several years in a row with poor returns, can cause a result that you didn’t see coming.   This next risk category is “inflation risk”. What will the price of gas be as you travel along? Will prices rise over time, and if so, by how much?   The last challenge you have is rationing your supplies. This is a risk retirees face called “overspending risk.” Suppose you pack your favorite snacks, but you go on a binge early on the trip and gobble them all up? Now, you don’t have enough for the tail end of your trip.   To feel comfortable transitioning into retirement, you need a plan in place to account for these unknowns. In this podcast on Chapter 1 of Control Your Retirement Destiny, I’m going to provide an introduction to each of these four risks; longevity risk, sequence risk, inflation risk, and spending risk. LONGEVITY RISK First, longevity risk. When you run a projection, you must start with an assumption about how long you might live. You can guess, or you can use science… sort of. Science works well for engineering when you’re working with known factors – like gravity. But as we discussed, this road trip has a lot of unknowns, so when it comes to this type of planning, it’s really a scientific guess. Or, the term I love, that one of our clients shared with us, … a SWAG… or Scientific Wild A** Guess. (Can I say that on a podcast?    I sure hope so!) To SWAG longevity risk – the unknown factor of how long your road trip is, it is best to start with mortality tables –– These are the types of tables that insurance companies use and that the government uses when figuring out how much in Social Security they will pay out over time. We’ll start with data from 2014 mortality tables. If you’re curious, you can find these tables and associated research on the Society of Actuaries website. First, let’s look at singles. SINGLES For a single female, age 60, –how likely do you think it is she’ll live to 85? Would you be surprised to know there is a 60% chance? - (64% white collar only) Male – age 60 – A male age 60 has a 51% likelihood of living to 85 - (58% to white collar) Those are high odds. Many people make decisions about money with an off-hand comment such as “well, I might not live that long”. That’s like betting against the odds! Not only do people routinely underestimate how long they’ll live, many married couples make decisions based on their own life expectancy, as if they were single. What they need to do is look at their joint lifespan. If you’re married, how likely is it one of you will live to 85? The odds go up to 80%! 85% when looking at just the white collar data set. What about the likelihood that one of you will live to 90? There’s a 58% chance – which goes up to 65% for white collar folks. ---- I’d play to those odds in Vegas any day. Wouldn’t you? So doesn’t it make sense that you should align your finances to take advantage of those odds? What do you think the 85-year-old… you will wish the 50-year-old you had done? What about the 90-year you? What do you think they’ll wish the 60- year old had thought about? The types of decisions I’m talking about aren’t just “save more and spend less.” There are more complex decisions to make – decisions that help reduce the risk of outliving your money. For example, one decision that can have a big impact on protecting you against the risk of outliving your money is the decision as to when you start Social Security. Your Social Security benefits are inflation adjusted and you get a lot more per month if you start benefits at a later, age rather than as soon as possible. And if you’re married, you must learn how Social Security survivor benefits work. Many couples have one person who made the majority of the income. All too often that person starts Social Security benefits at a young age, and thus severely curtails the survivor benefits available to their spouse. There are many financial tools to consider when looking at how to protect your retirement income for life. You have to be open minded and willing to learn how things really work. This isn’t always easy. The bias against some financial tools can be so strong that when I mention them, you’d think I’d said a four-letter word! What are tools the illicit such strong responses? Things like Reverse mortgages and annuities. These products can be great financial tools when used in the right situation. It’s sad that many of these tools are marketed in such a cheesy way that people refuse to consider them. ---- In conclusion, when it comes to longevity risk, the unknown length of your road trip, be open minded and evaluate financial decisions such as When you begin Social Security Use of a reverse mortgage Purchasing an income annuity To protect the older you, it can also make sense to consider… Working a little longer Using investments that are most likely to keep pace with or outpace inflation   SEQUENCE RISK Next, let’s talk about sequence risk, or to use road trip vernacular, what we’ll call “the gas mileage question.” As we discussed, it would be difficult to calculate how many miles per gallon you were going to get if you didn’t now whether you were going to be driving mostly highway miles, or city miles. When planning for retirement the unknown conditions are your market returns. There’s something called The Retirement Red Zone – considered to be the last 10 years of working and the first 10 years of retirement. What if your Retirement Red Zone occurs during a time where the economy is booming? Or what if it is during a recession? These things make a big difference – and you need to know your plan will work either way. ---- To study how much investment returns can vary, let’s look at two historical examples. First, safe investments. Certificates of Deposit or CDs, issued by banks, are considered a safe investment. In 2001, you could earn over 6% interest on a 3-month CD. If you were planning for retirement, you might have naturally made the assumption that 6% interest was realistic. For every $100,000 you had in CDs, you assumed you’d have $6,000 a year of interest income to spend. Fast forward to 2011 – and that same 3-month CD was paying less than 1/3 of 1%. Your $6,000 of income had dropped to $300 a year. Ouch. ---- Well, if CDs didn’t provide consistent income, what about the stock market? The Standard & Poors 500 Index, commonly referred to as the S&P 500, tracks the collective performance of the stock prices of five hundred of the largest U.S. based companies. From 1926 to 2017, a 92 year time span, the S&P 500 averaged just over 10% a year ( 10.2%) Looking at a more recent time period, 1995 to 2017 The average annual compound return was also just over 10% ( 10.1%) I start by using averages, because financial literature often uses averages to illustrate the historical performance of an investment. And most people use past returns to choose investments and set expectations for the future. Ten percent sounds great. If you earn 10% a year, your money doubles almost every 7 years. But in the book The Black Swan, author Nassim Taleb uses a line I love. He says, “Don’t cross a river if, on average, it is 4 feet deep.” By nature, an average is composed of times where returns were higher, and times where they were lower. Take the time period that has become known as The Lost Decade as an example. The Lost Decade, 2000 – 2009, The S&P 500 had a negative return of .9 – or a loss of about 1% a year over that ten years. All was not lost, however, depending on how you invested. The S&P 500 represents the performance of only 500 large cap stocks. If you used a globally diversified portfolio of stock index funds, with exposure to many other asset classes and to stocks across the globe, you averaged 5.4% a year over The Lost Decade. (DFA Global Equity Index 5.4%) Still, that’s a far cry from the long-term average of 10% that you might have been expecting. Averages can be dangerous by giving you misleading expectations. They can also be dangerous when used in software programs and when planning for retirement. I’ll talk through an example to explain why. From 1973 – 1982, the S&P 500 averaged 6.7%. Not a bad return. Let’s assume its 1973 and you are using an online retirement calculator. Of course, those didn’t exist then, but just humor me for the sake of leaning. You plug in 6.7% for your expected return. The software assumes you earn 6.7% each year. You start with $100,000 and tell the software to withdraw $6,000 per year. It shows you that at the end of the 10 years, you should still have $109,000 left. You think that’s great, especially considering the fact that you took out $60,000 along the way. You retire based on this plan. Unfortunately, what really happened, is in 1973 the stock market went down the first few years. This means when you withdrew the $6,000 you had to sell some shares at a loss. Although the market recovered, you had less shares available to participate in the recovery. So, although the software said you should have $109,000, remaining at the end of the decade, what you ended up with was $83,000. That’s a $26,000 difference between what you thought you would have based on a calculation, and what reality delivered. How do you plan for such varying conditions? Well, when engineers build a bridge they don’t build it for average weather. They test for extremes. You have to do the same thing when planning for retirement. You test your approach to see if it works over bad economies, as well as good ones. You can also build in contingencies. For example, assume you like to travel. Spending extra on travel might work fine as long, as you get average returns. But you know if a recession should materialize, your contingency plan will require you to travel less or give up travel for a few years. Building in contingencies give you flexibility in your planning. Another option is to segment your investments into what is needed for different legs of your trip. For example, picture having safe investments to fuel the first 10 years of your journey and growth investments to fuel years 11 and beyond. The technical term for using this approach is asset liability matching, and I’ll cover it in Chapter 5 on investing.  ---- INFLATION RISK The next thing to consider on your road trip is the unknown price of gas, or inflation risk. When I was in elementary school, I lived in St. Louis, Missouri. Actually Chesterfield, which is a suburb of St. Louis. It was the early 80’s and I used to ride my bike to the nearest Schnuck’s Grocery store to buy my favorite candy bar, a Reese’s Peanut Butter Cup. It cost a quarter. today The price of gas provides another great example. In the 1990’s the price of a gallon of gas ranged from $1 - $1.30. Today, it hovers about $3.00 a gallon. So, we know inflation is real. Prices do rise. The standard rule of thumb in financial planning projections is to assume a 3% inflation rate, as this has been the long-term historical average. Inflation is measured by what is called the Consumer Price Index (or CPI) , which tracks the collective prices of a basket of goods and services. In recent history, 1990 – 2017, inflation has actually been less than 3%, 2.4% as measured by the Consumer Price Index. Over that time, prices of some goods have come down, while prices of some services, such as health care, have gone up. Inflation does NOT impact all things and all people equally. Believe it or not, in retirement, most of you will not need your current level of spending to continue to go up at the same rate as inflation. For example, assume you enter retirement with a mortgage payment of $1,500 a month. Your mortgage has 12 more years. This is a fixed payment. Your mortgage will not go up each year with inflation. Your insurance and taxes will though. Or, early in retirement you may have children who still need financial assistance. That expense is likely to go down later. This is why, once again, I don’t like using averages. If you tally up your expenses, and grow them by 3% a year, and save enough to support that goal, you might actually be over-saving. Now, granted, not a lot of bad things happen by saving too much. Still, many people who develop a custom plan realize they can retire earlier than they thought.  To determine how inflation really impact retirees, research studies examined retirees and how they spend money over time. My favorite research paper on the topic is called Estimating The True Cost of Retirement, written in 2013 by David Blanchett. David is the Head of Retirement Research at Morningstar. The research shows: Spending is at its highest when retirees are in the 60 – 65 age range Then it slows down, with those same retirees spending a lot less as they enter the 75 – 85 age range. As retirees near age 85+ , spending tends to increase again, primarily due to health care needs. This spending pattern is often described as the “Go-go years, slow-go years and, no-go years.” The research paper concludes that many retirees may need approximately 20% less in savings than the common assumptions would indicate. And that retiree expenditures do not, on average, increase each year by inflation This research went even deeper and segmented retirees into three groups. Those who spend about $25,000 a year in retirement, $50,000 a year and $100,000 a year or more. Inflation has the biggest impact on lower income households. That makes sense – when you’re on a tight budget, price increases on basics such as food and gas have a big impact. Inflation has a much lower impact on households spending $100k or more in retirement. The research concludes that “When correctly modeled, the true cost of retirement is highly personalized based on each household’s unique facts and circumstances.” I see this first hand with the work we do with clients. We build in inflation raises in our projections. But as our clients reach their 70’s and we offer their annual inflation raise, they often tell us they don’t need their monthly withdrawal to go up. They’re perfectly comfortable on what they are already getting. In conclusion, Averages can be quite misleading when it comes to market returns, and when it comes to the impact of inflation. When planning for retirement you want to customize your spending assumptions and the impact of inflation to your financial circumstances. Using a rule of thumb, such as inflating all expenses at 3% a year, may result in over-saving for retirement.   OVERSPENDING RISK The last topic to introduce you to in Chapter 1 is Overspending Risk. This is the risk of spending too much too soon. When I think about overspending risk, the movie The Martian, with Matt Damon, pops up in my mind. In the movie, he has to carefully ration his food. If he doesn’t ration his food, he’ll run out of food too soon and die before the rescue team can get to him. In retirement, if you take out too much money too early in retirement, you increase your risk of running out of money early. That’s why you have to plan for big expenditures like auto purchases and major home repairs. Many people forget to include these items when they are figuring out how much they’ll need in retirement. Another problem that occurs - if your investments do well early in retirement, it’s easy to take out the excess and spend it. This may seem reasonable at the time. But remember how averages work. If you are in the middle of a time period where things are doing really well, you have to take some of the gains, and set them aside for the inevitable period of time when investment returns will be below average. This is how you ration your supplies as you travel on the retirement road trip. If you don’t have a way to measure how much you can safely take out, and how to account for big ticket items, you can easily spend too much too soon. Another thing that catches people off guard in retirement are taxes. Take the popular 4% rule as an example. The 4% rule says that you can safely withdraw 4% of your portfolio each year, and reasonably expect to have it last for life. Let’s talk through an example. Using the 4% rule, you would conclude for every $100,000 you have invested, you can withdraw and spend $4,000 a year. That works, except if that $100,000 is all in a Traditional IRA, 401k or other tax-deferred retirement plan. The money you withdraw from traditional retirement plans will be taxed. If you’re in the highest tax bracket, after taxes, you might have only $2,400 of the $4,000 available to spend. Simple rules of thumb can be great to use when you are age 40 and planning for retirement 20 to thirty years away. But once you are within 5 years of your retirement age, they are not an effective way to determine what you can actually take out and spend each year. Rules of thumb do not account for taxes, and even if you try to account for it with an estimated tax rate, such as 20%, in reality, your taxes in retirement may be vastly different than your neighbors. And your taxes are likely to vary from year to year. Taxes depend on the source of income. While Roth IRA withdrawals are not taxed, 401k withdrawals are. And while some people pay no taxes on Social Security benefits, others will pay taxes on 85% of the benefits they receive. You need a customized plan to accurately project how much you’ll pay in taxes in retirement. So, let’s review what we discussed. When you get ready to transition into retirement, it’s like heading out on a road trip where… You don’t know how long you’ll be traveling. We call this longevity risk – the unknown factor of how long you’ll live. You don’t know what type of driving conditions you’ll encounter. We call this sequence risk – the idea that you could retire into a bad economy or a good one – and you need your plan to work either way. You don’t know the future price of gas. This is inflation risk. Research shows the traditional assumptions used in the financial planning industry may be overestimating what you’ll actually need. You have to have a way to ration your supplies. This is overspending risk. Use too much too soon, and you could run short later in your journey. There is a way to account for these challenges. It starts by looking at your household finances. Then, you learn how to align the pieces to work together. We start this journey in Chapter 2, where we begin to follow Wally and Sally, a couple getting ready to retire. We look at how they can most effectively put together a plan. Thanks for joining me for Chapter 1 of Control Your Retirement Destiny. To learn more, get a copy of the book on Amazon, continue through the podcast, or, to work with a professional retirement planner to put together your own customized plan, visit us at SensibleMoney.com.

By request from a Patreon supporter, 21 reasons why it'll be worse this time than perhaps any economic time in U.S. history. Help support the Silver Fortune Channel through my sponsor, SD Bullion - 10 oz. Silver Bar at Spot! https://sdbullion.com/sf Support Silver Fortune through Patreon: https://www.patreon.com/silverfortune Any content within this video or any other video by the Silver Fortune channel is merely one man's opinion, commentary, and analysis, or actual information obtained from elsewhere, and should not be constituted as legal, investment, or financial advice. Make your own financial decisions, or consult a professional if you'd prefer to go that route. The Silver Fortune channel disclaims any liability for legal, financial, or investment decisions made. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/silver-fortune/support

A quick little five minute update on a few things, including why the episode took so long and a new update schedule for the show.You can follow It's Different for Everyone on Twitter @IDFEPod or email us at idfepod@gmail.com. You can also like us on Facebook.We'll be back with regular episodes starting September 15th.

Do not argue who is right we all are right but different from one another........ Gli(GAYATRI LUCK INDIA ).

In today's It's Different for Everyone, Joe is joined by his friend Katie/Fangz as she tells the story of her experiences in group therapy during her high school years. High school tends to be a time in many peoples lives where the first signs of depression start to show their ugly faces. Group therapy is one of the many possible treatment methods for mental health issues such as depression.You can follow It's Different for Everyone on Twitter @IDFEPod or email us at idfepod@gmail.com. You can also like us on Facebook.Stay tuned on August 30th for an update about why this episode took so long and the new release schedule for It's Different for Everyone.

Special guest: Sreeja GuptaRegular players: Damian Johnstone & Matthew Worboys

In another solo mini-episode, Joe talks about two of the lowest years of his life and how an upcoming video game of all things became the anchor keeping him alive. From the existence of the game, to the messages it taught upon being played, Joe talks about what the game is and why it means so much to him. Sometimes all you need to get through a rough time is to get an anchor in your sights and crawl your way to it until the rough times have passed, and trust me they will pass.You can follow It's Different for Everyone on Twitter @IDFEPod or email us at idfepod@gmail.com. You can also like us on Facebook.Extra music in this episode is Life Will Change (Instrumental) and Beneath the Mask (Rain) from Persona 5.

In this week's episode, Joe brings on his very first guest. Andrew comes on to tell us their story about dealing with gender dysphoria and the depression and anxiety problems that came with it. This is our first guest episode of many more to come, so we hope you enjoy and look forward to more!You can follow It's Different for Everyone on Twitter @IDFEPod or email us at idfepod@gmail.com. You can also like us on Facebook.

In this, the first episode of It's Different for Everyone, Joe nervously explains his hopes for this episode and how it could all very well just crash and burn.Questions, comments, stories? Follow us on Twitter @IDFEPod or email us at IDFEPod@gmail.com.

When a long running franchise goes on for a while... why does it change so much from it's roots? When a long running franchise goes on for a while... why does it never change? --- Support this podcast: https://anchor.fm/radiodrome/support

Surprise! !! Back with a new podcast a week ahead of time. ... got a bunch of new cuts to run plus got my boy Willie WAZE in on the Hip Hop Discussion ( peep his YouTube channel Lumi LifeStyle ( IG @Lumi_Lifestyle ) )as we talk about his channel, start as a blogger female MC's, Kanye West's recent behavior, album reviews, the demise of "Everyday Struggle " and more, tune in , download and enjoy. ....Dirt Disciples - It Ain't Hard To Tell ( DJ Concept Remix )Chris G - Intro Lava The FreshNerd - Chosen Freestyle Kabe Prod f The CastOffz - Slow FlowM Doc Diego f G Nyce - Po' Boyz Royce Da 5'9 f Boogie - Dumb Forever MC x It's Different f Royce Da 5'9, Tech N9ne, Token, Chino XL, Planet Asia, Passionate MC & Bronze Nazareth - Assassin's Creed Remix Westside Gunn f Keisha Plum & Benny - Easter Gunday 3 Pounds - Dues Roc Marciano f Action Bronson - Corniche Benny f El Camino - India Compound f Westside Gunn & Conway - Budz Conway f Benny - Beloved (Nicholas Craven Remix )Ty Farris - Draw A Picture For Ya Brain Chris G & Willie WAZE - Hip Hop Discussion Willie WAZE - 90's Baby DJ Obsolete x BlabberMouf - Chasin It38 Spesh x Kool G Rap - Upstate To Queens Felix Free - Trees J Cole - ATM Amerigo Gazaway f Kanye West - I Miss The Old Kanye Remix Hex One - My Story Code Nine x Purpose - Unspoken Of El Camino f Prodigy - Mizz SunNY - Killa Blues Eastkoast - Fear Is The Key PRhyme f Termanology - Rock It (CG Remix )Westside Gunn x DJ Green Lantern - Laura Scarface - The Hot Seat SMD - Beastmode Chris G - Outro

There seems to be some myth in skincare that men don’t understand serum, and it is way too complicated for them, hmmmm we think not. Put in easy sports training terms Luke explains what serum is and why you need it to ensure you Get Out What You Put In? ► Follow Us Online Here: - Instagram: http://instagram.com/proverbskin - Facebook: https://www.facebook.com/ProverbSkin-... - Website: http://proverbskin.com - Twitter: http://twitter.com/proverbskin - Soundcloud: https://soundcloud.com/user-148816146 - Subscribe to our Lifefuelled Newsletter for exclusive content & product offers here: https://proverbskin.com/blogs/news

This week on POMM, I discuss why we shouldn't be treating politicians as if they're celebrities rather we should interact with them as the public servants they chose to be. As J. Cole said "I don't want no picture" with them. Our votes will not be taken for granted this time around because, well, "This Time It's Different."

In the last episode, we saw what happened to Riggins when his affair came out, but what about Lyla? Turns out it's different for girls. Liz & Meryl break it down in this ep! Follow the podcast @TexasForeverPod and follow Meryl and Liz at @MerylWilliams and @LizJuranek! Theme song: "Devil Town," Tony Lucca

Episode 237 Articles: Believing The Impossible What Do I Say After a Shooting? Mentioned in this Episode: Ferro Rod Coupon Code The Stronghold Haywire Klamper Join the FREE FB Group! What Do I Put in My Survival Kit? Items of Interest: The HydroBlu Jerry Can Water Filter Conflicted Card Game Purchase Quality Long-term Food Storage Remember, there is a HUGE selection of great preparedness content at Prepper Website! Thanks for the spreading the word of The Prepper Website Podcast! See omnystudio.com/listener for privacy information.

On this episode of 'Inbound & Down,' co-hosts Jon Sasala and Danielle Esposito dive into the world of programmatic buying, explaining what it is, and discussing how Morey Publishing approaches it differently than most agencies. They also bring on a very special guest.

WTN EP.102 it’s different and jay return 10/14/17| Hosted by Keda Hubbard and Chris Durham o Cofounder of WTN return to the show Jay Giles follow him on (twitter @thejaygiles) o Jeff Jarrett news o Jay and Chris comes up with NXT twitter poll for next week show o The crew finally recap this past week of NXT TV o 3 stars and crappy one Since Keda and Jay schedule is crazy at times, if you would like to listen live follow them on Mixlr for random shows. Click here to listen live http://mixlr.com/kedanjayshow/ all episodes will be available for download every Sunday. Subscribe to Kedanjayshow/WTN Podcast on: Itunes, Stitcher Radio, Player.FM, Satchel, Tunein and listen live on Mixlr. Twitter/Follow: @WTNPodcast @KedaNjayshow @TheJayGiles @JayMovieTalk Leave a Voicemail 202-827-5456 Thank you for listening comment, like and Share!

Sarah Hamm shares her fitness journey on the podcast today. She has had ups and downs in her weight for over 10 years but in the last 6 months she has lost over 20 pounds of fat. She shares about the struggle and also how this time it's different. You will be inspired by her story, enjoy! If you are interested in learning more about our programs visit www.boomfitbcs.com.

Twisted metal, smashed concrete and anger on the streets of Mogadishu. Bridget Kendall introduces stories, analysis, and insight from correspondents around the world. After decades of war and years of terror attacks Somalia has seen a lot of violence, but this time it’s different says Alistair Leithead following the truck bomb which killed hundreds of people in the capital. As the Chinese Communist Party meets for its five-yearly congress, Carrie Gracie goes underground on the Beijing subway to gauge the mood in the city. John Sweeney is in Malta where the murder of journalist Daphne Caruana Galizia, has raised questions about corruption and organised crime. Linda Pressly reports from Sweden where hundreds of migrant children appear to have switched off from the world around them – refusing to talk, eat or get out of bed. How can 'Resignation Syndrome' be cured? And on the Faroe Islands, Tim Ecott joins the annual gannet hunt – the young birds are a prized local delicacy.

Alec Loses His Shit More than once, Ivan Gets Triggered & Corbo is present

Great article out of Zero Hedge today covering the current pension crisis in America. If you've listened to this show for any length of time, you know the public pension system is wrecked. But this article really went into detail about how it all might shape out in the end. Let's just say it's not a rosy picture. Like Mauldin says, "There are no good choices anymore." I've got a lot of social stuff in the stack today. I want to talk a little about Brown University's decision to start segregated dinners after the recent clash with White Nationalists. Depending on who you listen to you'll get very different opinions on this. I'd like to give you a practical one. We'll also discuss the Republicans attempt to revive their Obamacare lite proposal. What can I say, read the fine print. Headlines rarely tell the full tale. Great show today, thanks for listening and tell a friend! :) Jason Support the show.

In the Fourth episode of Anything But Bollywood, Neha RT will be talking to Ad filmmaker and entrepreneur Prahlad Kakkar founder of Genesis Film Production Pvt Ltd and popular for his ad campaigns for Maggi sauce (It's Different) and Pepsi (Yehi hai right choice baby). 01:52 - Early Days 08:31 - Maggi Sauce Campaign 22:35 - Pepsi Campaign 28:16 - Working with A-List actors 31:49 - On Advertising 36:58 - On Being an Entrepreneur 45:29 - Film Recommendations Check out Prahlad Kakkar's work and Influences.... Pepsi Commercial Maggi Commercial Bombay Dyeing Ad -The Art Of War by Sun Tzu Murphy's Law Film Recommendations (trailers) The Salesman Blade Runner The Duellists You can listen to this show and other awesome shows on the IVM Podcast App on Android: https://goo.gl/tGYdU1 or iOS: https://goo.gl/sZSTU5 You can check out our website at http://www.ivmpodcasts.com/

Darell Douglas is a Providence native and currently owns a popular wing spot to be found at 447 Mineral Spring Pawtucket, RI.  Darell, better known as D, talks about growing up categorizing his family as the working poor.  He also talks about recognizing that his talents, once of age to work, would be better utilized working for himself.  We follow D through his story of starting a business, losing it all and getting it all back!   1:10-D tells his story about Foster Homes/ Foster Care 4:20-Being a knucklehead 6:10-D personally explains the term "working poor" 6:49- What is Death to 9-5s and why is it such a big hit in the Rhode Island urban community?   11:40-D gives shoutout to local brand/business doing well 15:40- Bargaining to get D's started in a gas station. 17:15- Financially purchasing a store front. 20:30- Almost having to close D's after being robbed. 24:00- D gives his emotional journey of losing it all about getting it all back.    If you are interested in being featured as a guest on the Business of Soul Searching for future episodes, please contact me at thebusinessofsoulsearching@gmail.com  

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We kicked off the episode recapping our monumental 400th video episode. We played some covers of "The Sound of Silence," one from orthodox Jews and one from a David D. Rainman fan. El Duderino called in from Thailand to talk about his vacation experience. We played some new audio from Mike Francesa, we learned what a Brojob is. A fan submitted some fun new drops, we listened to some voicemails, and played some more Alex Jones clips. As always, we'd love to hear your feedback on the episode, whether by leaving a comment below, on our Facebook, Twitter, emailing hatemail@metalinjection.net or leaving a voicemail by either Skyping "metalinjectionlivecast" or using the Speakpipe widget below. Please help support the show and pick up a brand new t-shirt. Click below for all the choices: Listen to the Metal Injection Livecast on Stitcher, Google Play or on iTunes (please leave a rating/review as well). Also, make sure to follow us on Facebook, Twitter and Youtube. Join us live on our new day, next Tuesday, starting at 7pm Eastern (4PM Pacific Time) and going until 9PM eastern time for an all new edition of the Livecast.  Leave a voicemail You can leave a voicemail two ways: call 718-303-2353 -or- Skype "metalinjectionlivecast" and leave a voicemail there. -or-

The Women's Equality Party launch their election campaign with a celebrity fundraiser hosted with 5x15 in May 2016. Actress Jo Brand speaks with Rosie Boycott. (intro by Catherine Mayer) Since leaving her job as a psychiatric nurse in 1987, Jo Brand has built a large following across the UK as a writer, broadcaster and stand up comedienne. She appears on television regularly, with examples including her award-winning Channel 4 show, 'Jo Brand Through The Cakehole', as well as stints on BBC’s 'Have I Got News For You', 'Never Mind The Buzzcocks', 'Absolutely Fabulous' and 'Question Time'. She won the 2011 BAFTA for Best Female Comedy Performance in her series 'Getting On', which has received much critical acclaim. She is also the author of two autobiographies, 'Look Back In Hunger' and 'Can't Stand Up For Sitting Down', and has recently presented the sister show to The Great British Bake Off, entitled 'An Extra Slice'. “Now is the time to put our heads above the parapet,” said Sandi Toskvig, who co-founded the party, to the 2000-strong audience. “Let’s do it for our daughters and our sons. Join me at the barricades.” 5x15 brings together five outstanding individuals to tell of their lives, passions and inspirations. There are only two rules - no scripts and only 15 minutes each. Learn more about 5x15 events: 5x15stories.com Twitter: www.twitter.com/5x15stories Facebook: www.facebook.com/5x15stories Instagram: www.instagram.com/5x15stories Find out more about the WEP event here: http://www.womensequality.org.uk/election_campaign_launches_in_style

Football's not the only game in town this week. It's the big cheer competition! And all of a sudden Lyla can do back flips, Julie and Matt are dating, and the preacher's daughter returns from... Africa?

Ryan and Allison talk about a piece on KevinMD about a medical school dropout, who talks about her dream being crushed by the process. Links and Other Resources Full Episode Blog Post 15th Annual Premeds ConferenceJune 11-13, 2015 Los Angeles, California KevinMD Article: Leaving Medical School for a Startup.` And With No Regrets Op-ed article written by Karen Sibert: Don’t Quit This Day Job Episode 29:  Interview with ZDoggMD, Yes – He is a Real Doctor Get us free on your device. Subscribe and listen to new episodes each week. Visit www.medicalschoolhq.net/listen Hang out with us over at medicalschoolhq.net/group. Click join and we’ll add you up to our private Facebook group. Share your successes and miseries with the rest of us. Listen to our podcast for free at iTunes: medicalschoolhq.net/itunes and leave us a review there!Email me at ryan@medicalschoolhq.net or connect with me on Twitter @medicalschoolhq

Docker is not the only Linux Container manager available. Recently, CoreOS launched their own project named Rocket which has some architecturally different approaches to managing containers. This week, we interview the brain behind Rocket to ask what is Rocket and why they built it.

Evangelist Billy Mitchell of Jamestown, TN, preaches from Ephesians 2:11-17, during a Revival Meeting. From the sound quality variation, I'd say this is a different meeting than the last one I posted, from the same chapter.

[Warning: There are some pretty big Breaking Bad spoilers in this episode. Like, all the spoilers up to the second episode of the last season. So, if you wish to remain unspoiled, stop listening at around the 1:13:00 mark, then skip to about 1:28:00, and you should be fine. There. You've been warned. No complaining.]It's Halloween, and we're celebrating it at the Podcastulacra by revisiting our old haunt, The X-Files. You may remember us talking about this show for a while last year, before Robby made it clear he had zero interest in continuing; this week, we look at "Die Hand Die Verletzt," "Grotesque," and "Bad Blood" to honor the spooky season, and Robby is reminded, again, why he insisted we stop watching The X-Files in the first place.Before that, we talk about the most recent two episodes of Elementary, "Poison Pen" and "Ancient History," and after that, we briefly discuss Robby's binge watching of Breaking Bad and then check in on Friday Night Lights, with "It's Different for Girls."Regularly scheduled programming returns next week, as we pick up Deep Space Nine and discuss "Starship Down," "Little Green Men," and "The Sword of Kahless."

Emily Nussbaum, television critic at The New Yorker. Show notes: @emilynussbaum emilynussbaum.com Nussbaum's New Yorker archive Nussbaum's New York archive [1:30] Tina Fey at the Paley Center for Media [5:45] "Shark Week: House of Cards, Scandal, and the political game" (The New Yorker • Feb 2013) [8:00] "My Strange Addiction: The sleazy wisdom of Big Brother" (The New Yorker • Aug 2012) [8:40] "My Breaking Bad Bender" (New York • July 2011) [8:40] "Child's Play: Breaking Bad's Bad Dad" (The New Yorker • Aug 2012) [11:15] "Reconsidering Two and a Half Men" (New York • Nov 2010) [14:00] "Primary Colors: Shonda Rhimes's Scandal and the diversity debate" (The New Yorker • May 2012) [16:00] "It's Different for Girls" (New York • March 2012) [17:30] "Girls Is Brilliant Gem For HBO" (Tim Goodman • The Hollywood Reporter • March 2012) [20:25] "One-Man Show: Louis C.K.'s unique experiment in television making" (New York • May 2011) [20:25] "Black and Blue: The bruised hilarity of Louie and Episodes" (The New Yorker • July 2012) [24:50] Clive Thompson [25:40] "The Hummingbird Theory'" (The New Yorker • March 2013) [30:20] Lingua Franca archive [32:40] "Analyze This Guy; review of Ronald Hayman's A Life of Jung" (New York Times Book Review • April 2001) [32:40] "Defending Dr. B.: On Theron Raines's Rising to The Light" (New York Times Book Review • Nov 2002) [36:20] "Confessions of a Spoiler Whore" (Slate • April 2002) [38:40] Television Without Pity [39:40] Approval Matrix